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what it is
Auburn National runs a roughly $1 billion-asset community bank in East Alabama that makes money on loans, deposits, and fee income.
how it gets paid
Last year Auburn National made $39M in revenue. Net interest income was the main engine at $28.5M, or 73% of sales.
what just happened
Revenue hit $30M and EPS reached $1.60, versus $0.64 in the year-ago period.
At a glance
B+ balance sheet — decent shape, but not bulletproof
30/100 earnings predictability — expect surprises
13.2x trailing p/e — the market's not buying it — or you found a deal
4.6% dividend yield — cash in your pocket every quarter
$1.83 fy2024 eps est
xvary composite: 63/100 — average
What they do
Auburn National runs a roughly $1 billion-asset community bank in East Alabama that makes money on loans, deposits, and fee income.
This is a local bank, which means geography is the product. AuburnBank has about $1 billion in assets, 13 ATM locations, and deep roots in Lee County, Alabama, where relationships still decide where your paycheck lands. That matters because community banking moat → local customer trust and sticky deposits → so what: your funding base tends to move slower than hot money chasing the highest rate.
How they make money
$39M
annual revenue
Net interest income
$28.5M
+192.0%
Service charges and deposit fees
$4.3M
+0.0%
Mortgage banking
$2.7M
+0.0%
ATM and card fees
$1.9M
+0.0%
Other banking income
$1.6M
+0.0%
The products that matter
community banking
AuburnBank
$31M · roughly 80% of revenue mix
it sits on $1.0B in assets and generates $31M of net interest income. when one line item drives about four-fifths of the business, that's the business.
core engine
Key numbers
4.6%
dividend yield
You are getting paid more cash than the S&P 500 average yield while you wait for a tiny bank to prove its earnings are stable again.
13.2x
trailing p/e
Price-to-earnings ratio → what investors pay for each dollar of profit → so what: AUBN is priced like a no-drama local bank, not a growth story.
$39M
ttm revenue
That is the whole top line. This is a very small bank, so small changes in costs or credit quality matter more.
0.45
beta
Beta → how jumpy the stock is versus the market → so what: the shares have moved less than the market, even when the business has not.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 75 / 100
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for AUBN right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $30M and EPS reached $1.60, versus $0.64 in the year-ago period.
EDGAR shows the latest quarter's revenue rose 192% vs. prior year to $30M, while EPS rose 150% to $1.60. Contrast that with full-year 2023 EPS of just $0.40 and you get the point: this bank's earnings can swing hard.
$30M
revenue
$1.60
eps
n/a
n/a
the number that mattered
The number that mattered was $1.60 of quarterly EPS because it nearly matched 87% of Value Line's full-year 2024 EPS estimate of $1.83 in one quarter.
source: EDGAR quarterly filing, 2025
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What could go wrong
the top risk is net interest margin compression at a one-market Alabama bank.
med
funding costs rise faster than loan yields
With $31M of net interest income and only $8M of non-interest income, AUBN does not have much revenue diversification. If deposit pricing gets more competitive, the core earnings engine takes the hit.
impact: pressure on the spread business that drives about 80% of the revenue mix shown here.
med
east alabama concentration
You own one local franchise built on a $1.0B balance sheet. If the local economy weakens, both loan quality and deposit growth feel it at the same time.
impact: one regional slowdown can pressure multiple parts of the income statement at once.
med
thin trading cuts both ways
At an $82M market cap, this stock does not need much volume to move. Cheap is useful when you are buying. It is less comforting when you need out fast.
impact: volatility on light volume, wider bid-ask spreads, and a higher friction cost to owning a micro-cap bank.
With $31M of net interest income and just $8M of non-interest income, most of your earnings engine sits on one spread business in one region.
source: institutional data · regulatory filings · risk analysis
Pay attention to
mix
net interest income still has to carry the story
The split is $31M of net interest income versus $8M of fee income. If that gap gets worse, the thesis gets simpler in the wrong direction.
calendar
next earnings report
The Q1 2026 update, expected in late April 2026, should tell you whether the stronger full-year print carried into the new year.
risk
deposit costs
A 13.2x earnings multiple only looks cheap if funding costs stay manageable. This is the line that can turn a value story into a value trap.
income
dividend durability
The $0.27 quarterly payout matters because yield is a real part of your case. If the operating trend softens, investors will look at the dividend next.
Analyst rankings
earnings predictability
30 / 100
in human-speak, the earnings line is less stable than you want from a bank.
risk rank
2
that places it in the safer bucket relative to most stocks, though micro-cap liquidity still matters.
price stability
75 / 100
the stock has been steadier than many names this small, but thin volume can rewrite that fast.
source: institutional data
Institutional activity
institutional ownership data for AUBN is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$27
current price
n/a
target midpoint · n/a from current
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